Between 1998 and 2010 the S&P did not rise. The return was dividend only of 2% per year. During that period Stars performance was 8 percentage points per year above the S&P. The portfolio tripled. The S&P had a 40% correction in ‘01/‘02 and ‘08. The Stars portfolio made new highs in 2 years.

At the COVID high the best Stars portfolio was $700,000. One year later the portfolio was $400,000. Two years later the portfolio was $1,400,000. It was 100% above the COVID high. The average return was 25% per year over the 3 years period. These phenomenal results are because coming off a correction low TQQQ acts like 32 times the S&P because of 4 times as many shares after rebalancing and an annual volatility of 8 because everyone wants to own TQQQ at the very low prices.

In retirement your portfolio will about double every 5 years if you have 20% TQQQ. It will triple if you have 40% TQQQ. The cost of not being in Stars all the time will cost about 20% per year in lost opportunity cost.

Because Stars does the same rebalancing every year with the best stocks in the two cap weighted ETFs, the returns on average are similar to the 26 year back tested history for the same type market. Stars performance is very repeatable.